For most families, the mortgage is the biggest financial commitment they will ever make. We treat it that way. We look at your rate, term and payment schedule alongside the rest of your plan, whether your goal is to be mortgage-free sooner or to use your home equity wisely.
Our first step is a review of how you borrow today, to "stop all the leaks the bank pokes in your home": unnecessary fees, expensive non-deductible debt, or cash-management habits that let interest creep up. Then we help turn the money you free up into savings that grow for you.
What we help with
- Reviewing your current mortgage: rate, term, amortization and payment frequency
- Getting ready for a renewal so you aren't rushed into a decision
- Finding the "leaks": fees, high-interest debt and avoidable interest costs
- Understanding options like extra payments, payment frequency or using equity
- Cash flow optimization: redirecting money you free up into your RRSP or TFSA
- First home questions, including how the FHSA, RRSP and TFSA can fit in
How it works
- ReviewShare your mortgage details and other debts. We'll look at how it all fits together.
- ExplainWe show you, in plain numbers, where money is leaking and what different choices would mean.
- PlanTogether we pick the approach that suits your goals: pay off faster, free up cash flow, or a balance of both.
- Follow throughWe help you put the plan in motion and check in at key moments, like renewal.
Common questions
When should I start thinking about my renewal?
Earlier than most people do. Starting a few months ahead gives you time to compare options instead of simply signing what arrives in the mail.
Can you arrange my mortgage?
Yes. We work with multiple mortgage providers across Canada. Before we move to that stage, we sign a referral letter with you.
Should I pay down my mortgage or invest?
It depends on your rate, your tax situation, your other debts and your goals. That is exactly the kind of question we can work through with you.
I'm buying my first home. Can you help?
Yes. We can help you understand what you can comfortably afford and how accounts like the FHSA, RRSP and TFSA might fit into your plan.
General information only, not personal financial, tax or legal advice.